Forwarding white ip to clients with speed cutting?

Question

Computer networks

4 small companies sit in one building, two of which need 7Mbps and 13Mbps. in total it turns out 40 Mbps.
there is a provider that gives 40 Mbps with one wire and 4 ip addresses (because it's cheaper)
each client needs to cut the speed and ip address to connect his router.
I see so far 2 methods for solving the problem

1) plug the provider's wire into an unmanaged switch, stretch it from each port to the Mikrotik router, cut off as much as necessary on the wan port. (everyone will have to change routers or look for others with a sharp speed)
2) configure all 4 ip on wan mikrotik and map them into ports. it should turn out on the router in the wan port of the external address
who will tell you how to do it right ???

Answer 1

The first picture is heresy. How does the provider "bifurcate"?
The second picture is not clear at all.
You do so. Provider in the WAN port of Mikrotik. In Mikrotik, you cut the speed by ports + DHCP and give it to the switches. And that's it.
The main idea is that the router should be one, because more is not needed.

Answer 2

What a charming horror 8)
The most important thing is to clarify with the organizations what equipment they are going to install at home. Based on this, draw a diagram and smoke queues.

Answer 3

The second method is more correct, everything can be done on one microtic, IP addresses are distributed and queues are made ... and that's all